Investment Guides

Learn how to use our tools and make smarter investment decisions

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Using the SIP Calculator

Learn how to plan your systematic investments and visualize your wealth growth over time.

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Using the Portfolio Rebalancer

Discover how to maintain your target asset allocation and choose the right rebalancing strategy.

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Complete Guide to SIP Calculator

What is a SIP?

A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly in mutual funds instead of investing a lump sum. This disciplined approach helps you:

  • Build wealth gradually without straining your budget
  • Benefit from rupee cost averaging
  • Reduce the impact of market volatility
  • Develop a consistent investment habit

How to Use the Calculator

  1. Monthly Investment: Enter the amount you plan to invest every month. Start with what you can comfortably afford (even ₹500 can grow significantly over time).
  2. Investment Period: Choose how many years you plan to continue investing. Longer periods allow more time for compounding to work its magic.
  3. Expected Annual Return: Enter your expected rate of return based on your investment choice. Conservative: 8-10%, Moderate: 10-12%, Aggressive: 12-15%.
  4. Review Results: See your total investment, expected returns, and final value. The chart visualizes how your wealth grows over time.

Pro Tip:

Try adjusting the investment period to see the power of long-term investing. Even small monthly amounts can grow to substantial sums over 15-20 years thanks to compound interest.

Complete Guide to Portfolio Rebalancer

What is Portfolio Rebalancing?

Portfolio rebalancing is the process of realigning your investments to match your target asset allocation. For example, if you want 60% equity and 40% debt, but market movements have changed it to 70% equity and 30% debt, rebalancing involves selling some equity and buying debt to restore the 60-40 ratio.

Why Rebalance?

  • Maintain your desired risk level
  • Prevent overexposure to any single asset class
  • Implement "buy low, sell high" systematically
  • Stay aligned with your financial goals

How to Use the Rebalancer

  1. Define Your Assets: Add your investment categories (Equity, Debt, Gold, etc.). You can add or remove assets to match your portfolio.
  2. Set Target Allocation: Enter what percentage of your portfolio each asset should represent. These should add up to 100%.
  3. Enter Current Values: Input the current value of each asset in your portfolio.
  4. Choose Strategy: Select your preferred rebalancing approach:
    • Periodic: Rebalance at fixed intervals (e.g., annually)
    • Threshold: Rebalance when any asset drifts beyond a set percentage
    • Hybrid: Combines both approaches for balanced discipline
  5. Review Recommendations: See exactly how much to buy or sell of each asset, visualized with charts and detailed breakdowns.

Pro Tip:

For most investors, rebalancing once or twice a year is sufficient. Rebalancing too frequently can lead to excessive transaction costs and tax implications. The hybrid strategy with a 5% threshold and annual review works well for many portfolios.

Understanding Rebalancing Strategies

Periodic Rebalancing

Best for: Disciplined investors who prefer a simple schedule. Review and rebalance at fixed intervals regardless of how much your allocation has drifted.

Threshold-Based Rebalancing

Best for: Active investors who want to minimize unnecessary transactions. Only rebalance when an asset class drifts beyond your tolerance (e.g., 5% from target).

Hybrid Rebalancing

Best for: Most investors seeking balance. Check periodically (e.g., annually) and only rebalance if drift exceeds your threshold. Combines the best of both approaches.

Need More Help?

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